As an employer you know that healthy employees are necessary to ensure a healthy bottom line. The Renaissance Reward Plan fulfills your benefit objectives by offering voluntary dental coverage with no minimum employer contribution requirements. Plus, our escalating benefit design promotes the value of maintaining good oral health practices year after year.
Reward Features:
- Escalating plan design—Annual maximum in year one doubles by year three.
- No waiting periods—Immediate coverage for any included dental service.
- Widespread access to care—The Renaissance PPO network combines leading national and regional networks with more than 300,000 dental access points.*
- Preventive care—Cleanings and routine check-ups are 100% covered.
- Excellent customer service—Our Indiana-based support team answered more than 57,000 phone calls last year, and answered 99% of calls on first contact.*
- MyRenBenefits—Our online member page makes it easy to check benefits information, find a participating dentist, print ID cards and more.
- Vision coverage—Adding vision coverage to your employees’ dental plan is affordable and easy to use.
*Renaissance Internal Data, 2017
Renaissance Dental’s Reward Plan
As an employer you strive to maintain a healthy bottom line and one way to ensure that is with healthy employees. The Renaissance Reward Plan allows you to maintain your benefit objectives by offering voluntary dental coverage with no minimum employer contribution requirements. Furthermore, our escalating plan design promotes the value of maintaining good oral health practices year after year.
| Plan Pays | 1st year | 2nd year | 3rd year |
Diagnostic and Preventive Services | |||
| Diagnostic and Preventive Services exams, cleanings, fluoride and space maintainers | 100% | 100% | 100% |
| Brush Biopsy to detect oral cancer | 100% | 100% | 100% |
| Radiographs x-rays | 100% | 100% | 100% |
Basic Services | 80% | 80% | 80% |
| Sealants to prevent decay of permanent molars | 80% | 80% | 80% |
| Emergency Palliative Treatment to temporarily relieve pain | 80% | 80% | 80% |
| Periodontic Services to treat gum disease | 80% | 80% | 80% |
| Endodontic Services root canals | 80% | 80% | 80% |
| Oral Surgery Services extraction and dental surgery | 80% | 80% | 80% |
| Minor Restorative Services fillings | 80% | 80% | 80% |
Major Services | |||
| Major Restorative Services crowns | 0% | 50% | 50% |
| Prosthodontic Services bridges, implants and dentures | 0% | 50% | 50% |
| Relines and Repairs to bridges, implants and dentures | 0% | 50% | 50% |
Orthodontics | |||
| Orthodontic Services braces (until 19 years of age) | 0% | 0% | 50% |
| Orthodontic Lifetime Maximum | Not Covered | Not Covered | $1,000 |
| Orthodontic Deductible | Not Covered | Not Covered | $50 |
Deductible and Maximum Payment | |||
| Policy Year Maximum applies to Diagnostic & Preventive, Basic and Major Services | $750 | $1,000 | $1,500 |
| Policy Year Deductible per enrollee/per family per policy year. Applies to all services except Diagnostic & Preventive Services and Orthodontics | $1,000 | $50/$150 | $50/$150 |
Allowed Amounts | |||
| In-network/out-of-network | PPO Fee/80th Percentile |
| Rates per Subscriber / per month (guaranteed for one year) | Subscriber Only | Subscriber + One Dependent | Subscriber + Family |
Area 1 AL, DC, KY, MS, WV | $25.82 | $50.34 | $74.86 |
Area 2 AR, KS, LA, NC, ND, NE, PA, SC, TN, VA | $28.66 | $55.87 | $83.11 |
Area 3 GA, HI, IN, MD, SD, TX, WY | $31.80 | $62.03 | $92.25 |
Area 4 CO, FL, ME, MN, MO, OH, OK, RI, VT | $35.31 | $68.85 | $102.39 |
Area 5 DE, MA, MI, NY, WI | $39.20 | $76.42 | $113.65 |
Area 6 AZ, ID, NV, OR, UT | $43.50 | $84.83 | $126.13 |
Area 7 NJ | $48.29 | $94.14 | $140.03 |
Note: The above schedule of benefits is meant to be a summary of coverage. Please see the certificate of coverage for a legal interpretation of benefits. Plans not available in Connecticut, Illinois, Montana, New Jersey, New York or Washington.
Underwritten by Renaissance Life & Health Insurance Company of America, Indianapolis, IN and in New York by Renaissance Life & Health Insurance Company of New York, New York, NY. Both companies can be reached at PO Box 1596, Indianapolis, IN 46206.